Page 23 - Hollard - Private Portfolio Policy Wording

What we do not cover
Certain computer risks
This refers to the failure of any piece of compu ng equipment, or any of its associated hardware and peripherals, to recognise a date, leading to the inability to perform its compu ng func ons. It also includes costs and expenses incurred by you to reinstate data or programs lost as a result of accidental erasure. This is on condi on that the lost data or programs were not caused by:
○ program errors
○ a virus or malware (harmful so ware such as viruses or Trojans)
○ inadvertent cancella on, corrup on of data or incorrect entry.
Nuclear risks
These are risks associated with the nuclear industry in general.
They include nuclear-weapons material; ionisa on, radia on or contamina on by radioac vity from any nuclear fuel or any nuclear waste; and combus on of nuclear fuel, which includes any self-sustaining process of nuclear ssion or fusion.
Riots, public disorder, terrorism
Generally, this refers to loss or damage to property, death or bodily injury or liability directly or indirectly related to or caused by riots, poli cal acts, war, public disorder, terrorism or any a empted act of this kind for which we cannot reasonably be held responsible. They include:
○ Civil commo on, labour disturbances, riot, strike, lockout or public disorder, or any act or ac vity which is calculated or directed to bring about any of the foregoing
○ War, invasion, act of foreign enemy, hos li es or warlike opera ons (whether war be declared or not) or civil war
○ Mu ny, military uprising, military or usurped power, mar al law or state of siege, or any other event or cause which determines the proclama on or maintenance of mar al law, or state of siege, insurrec on, rebellion or revolu on
○ Any act or a empted act (whether on behalf of any organisa on, body or person, or group of persons) calculated or directed to overthrow or in uence any state or government, or any provincial, local or tribal authority with force, or by means of fear, terrorism or violence
○ Any act or a empted act which is calculated or directed to bring about loss or damage or bodily injury, in order to further any poli cal aim, objec ve or cause or to bring about any social or economic change, or in protest against any state or government, or any provincial, local or tribal authority, or for the purpose of inspiring fear in the public, or any sec on thereof
○ The act of any lawfully established authority in controlling, preven ng, suppressing or in any other way dealing with any occurrence referred to above
○ Any act of terrorism. An act of terrorism means the use of threat or violence or force for poli cal, religious, personal or ideological reasons. This may or may not include an act that is harmful to human life. It could be commi ed by any person or group of persons, ac ng alone, on behalf of or with any organisa on or government. It includes any act commi ed with the inten on to in uence any government or inspire fear in the public.
Hollard Private Por olio 21